IMAGE  EVALUATION 
TEST  TARGET  (MT-3) 


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Photographic 

Sciences 

Corporation 


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WBBSTM.N.Y.  MStO 

(716)172-4503 


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CIHM/ICMH 

Microfiche 

Series. 


CIHM/ICMH 
Collection  de 
microfiche^s. 


Canadian  Institute  for  Historical  Microreproductions  /  Instltut  Canadian  de  microreproductions  historlques 


Technical  and  Bibliographic  Notes/Notes  techniques  et  bibliographiques 


The  Institute  has  attempted  to  obtain  the  best 
original  copy  available  for  filming.  Features  of  this 
copy  which  may  be  bibliographically  unique, 
which  may  alter  any  of  the  images  in  the 
reproduction,  or  which  may  significantly  change 
the  usual  method  of  filming,  are  checked  below. 


L'Institut  a  microfilm^  le  meilleur  exemplaire 
qu'il  lui  a  6t6  possible  de  se  procurer.  Les  details 
de  cet  exemplaire  qui  sont  peut-dtre  uniques  du 
point  de  vue  bibliographique,  qui  peuvent  modifier 
une  image  reproduite,  ou  qui  peuvent  exiger  une 
modification  dans  la  methods  normale  de  filmage 
sont  indiqu6s  ci-dessous. 


0 


n 

D 
D 

n 


n 


n 


Coloured  covers/ 
Couverture  de  couleur 

Covers  damaged/ 
Couverture  endommagde 

Covers  restored  and/or  laminated/ 
Couverture  restaurde  et/ou  pellicul6e 

Cover  title  missing/ 

Le  titre  de  couverture  manque 

Coloured  maps/ 

Cartes  gdographiques  en  couleur 

Coloured  ink  (i.e.  other  than  blue  or  black)/ 
Encre  de  couleur  (i.e.  autre  que  bleue  ou  noire) 

Coloured  plates  and/or  illustrations/ 
Planches  et/ou  illustrations  en  couleur 

Bound  with  other  material/ 
R»M  avec  d'autres  documents 

Tight  binding  may  cause  shadows  or  distortion 
along  interior  margin/ 

La  re  liure  serrde  paut  causer  de  I'omb/e  ou  de  la 
distortion  le  long  de  la  marge  int^rieure 

Blank  leaves  added  during  restoration  may 
appear  within  the  text.  Whenever  possible,  these 
have  been  omitted  from  filming/ 
II  se  peut  que  certaines  pages  blanches  ajouties 
lore  d'une  restauration  apparaissent  dans  le  texte, 
mais,  lorsque  cela  6tait  possible,  ces  pages  n'ont 
pas  M  film^es. 

Additional  comments:/ 
Commentaires  supplAmentaires; 


I      I    Coloured  pages/ 


D 
D 
D 
D 
D 
D 
D 
D 


Pages  de  couleur 

Pages  damaged/ 
Pages  endommagdes 


Pages  restored  and/or  laminated/ 
Pages  restaur^es  et/ou  pelliculdes 

Pages  discoloured,  stained  or  foxed/ 
Pages  d6color6es,  tachet^es  ou  piqu6es 

Pages  detached/ 
Pages  ddtachdes 

Showthrough/ 
Transparence 

Quality  of  print  varies/ 
Quality  in6gale  de  I'impression 

Includes  supplementary  material/ 
Comprend  du  materiel  suppl^mentaire 

Only  edition  available/ 
Seule  Mition  disponible 

Pages  wholly  or  partiaily  obscured  by  errata 
slips,  tissues,  etc.,  have  been  refilmed  to 
ensure  the  best  possible  image/ 
Les  pages  totalement  ou  partiellement 
obscurcies  par  un  feuillet  d'errata,  une  pelure, 
etc.,  ont  M  film^es  d  nouveau  de  fa^on  A 
obtenir  la  meilleure  image  possible. 


This  Item  is  filmed  at  the  reduction  ratio  chocked  below/ 

Ce  document  est  filmA  au  taux  do  rMuction  indiquA  ci-dossous. 


10X 

14X 

18X 

22X 

26X 

30X 

1 

X 

12X                             16X                            20X                             24X 

28X 

32X 

^^ 

1 

'0 

Stalls 
3S  du 
nodifier 
9r  une 
filmage 


The  copy  filmed  here  has  been  reproduced  thanks 
to  the  generosity  of: 

Library  of  Congress 
Photoduplication  Service 


The  images  appearing  here  are  the  best  quality 
possible  considering  the  condition  and  legibility 
of  the  original  copy  and  in  Iceeping  with  the 
filming  contract  specifications. 


L'exemplaire  film6  fut  reproduit  grdce  d  la 
g6n6rosit6  de: 

Library  of  Congress 
Photoduplication  Service 

Les  images  suivantes  ont  6t6  reproduites  avec  le 
plus  grand  soin,  compte  tenu  de  la  condition  et 
de  iu  nettetd  de  l'exemplaire  film6.  et  en 
conformity  avec  les  conditions  du  contrat  de 
filmage. 


6es 


Original  copies  in  printed  paper  covers  are  filmed 
beginning  with  the  front  cover  and  ending  on 
the  last  page  with  a  printed  or  illustrated  impres- 
sion, or  the  back  cover  when  appropriate.  All 
other  original  copies  are  filmed  beginning  on  the 
first  page  with  a  printed  or  illustrated  impres- 
sion, and  ending  on  the  last  page  with  a  printed 
or  illustrated  impression. 


lire 


The  last  recorded  frame  on  each  microfiche 
shall  contain  the  symbol  -^  (meaning  "CON- 
TINUED"), or  the  symbol  V  (meaning  "END"), 
whichever  applies. 

Maps,  plates,  charts,  etc.,  may  be  filmed  at 
different  reduction  ratios.  Those  too  large  to  be 
entirely  included  in  one  exposure  are  filmed 
beginning  in  the  upper  left  hand  corner,  left  to 
right  and  top  to  bottom,  as  many  frames  as 
required.  The  following  diagrams  illustrate  the 
method: 


Les  exemplaires  originaux  dont  la  couverture  en 
papier  est  imprim6e  sont  filmds  en  commenpant 
par  le  premier  plat  et  en  terminant  soit  par  la 
dernidre  page  qui  comporte  une  empreinte 
d'impression  ou  d'illustration,  soit  par  le  second 
plat,  selon  le  cas.  Tous  les  autres  exemplaires 
originaux  sont  film^s  en  commenpant  par  la 
premidre  page  qui  comporte  une  empreinte 
d'impression  ou  d'illustration  et  en  terminant  par 
la  dernidre  page  qui  comporte  une  telle 
empreinte. 

Un  des  symboles  suivants  apparaitra  sur  la 
dernidre  image  de  cheque  microfiche,  selon  le 
cas:  le  symbole  — ►  signifie  "A  SUIVRE  ",  le 
symbole  V  signifie  "FIN". 

Les  cartes,  planches,  tableaux,  etc.,  peuvent  dtre 
film6s  d  des  taux  de  reduction  diffdrents. 
Lorsque  le  document  est  trop  grand  pour  dtre 
reproduit  en  un  seul  cliche,  il  est  filmd  d  partir 
de  Tangle  sup6rieur  gauche,  de  gauche  d  droite, 
et  de  haut  en  bas,  en  prenant  le  nombre 
d'images  n^cessaire.  Les  diagrammes  suivants 
illustrent  la  methods. 


by  errata 
led  to 

ant 

une  pelure, 

faQon  d 


1 

2 

3 

32X 


1 

2 

3 

4 

5 

6 

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SUBJECT 


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^GEORGE  F.  FOOTE,  M.D. 


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Pl'Ht  IHIIVI>  BY 

INK   .NKW  YORK    I.IFK   INSIHANCE  CO 
Wl  *    348  BKIH1IW4T. 


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N.  Y.  LIFE  INSURANCK  CO. 


GENERAL  AGENTS 

Boom  12  Federal  Block   Opposite  Po.t  Office, 

W.  J.  NILBS. 


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AN   ADDRESS 


UPON  THE  SUBJECT 


or 

LIFE  INSURANCE 


BT 


GEORGE   F.  FOOTE,  M.D. 


Delivmd  before  the  Katavia  Lywum. 


PuHI.I»HF.n   BY 

THE   NEW.VORK    LIKK    IN^VRANlK    COMl'ANY, 

34fi  &  141^  Hroadwav.  I 

•  Ma     u.  It,.    New  York  Lifft  iB*"""'""  ^ 


!  .15 


MORRIS  FRAMKLI.V,  ,  ,  .,  ,  ^     ^ 

President  of  the  New-  York  I.i/e  InsiiraHce  lompany. 

David  Do'.vs  &=  Co.,  Flour  Merchants,  No.  lo  .South  Street. 
ISAAC  C.  KKNDALL,  

Um'oH  BtiiUiings,  corner  of  U  illiam  and  /  me  Streets. 
DANIEL  S.  MILLER, 

Late  Dater,  Miller  &'  Co.,  Grocers. 
HENRY  K.  BOGERT, 

Bogert  &' Kneeland,  No.  49  Willmrn  Street. 
JOHN  MA  IRS, 

.Merchant,  No.  20  South  .Street. 
WM.  II.  API'LETON,  ,         ,.  _        1  v,,.,, 

D.  Appleton  &>  Co.,  PuMishers,  No.  92  Gra'ui  Street. 

'^OBERTB^CLH.LINS,^^  5/-,//.«....  No.  xo6  Leonard  street. 
WILLIAM  BARTON, 

Banker,  No.  ^^  H'nll Street. 
JVM.  A.  BOOTH, 

Booth  &•  Edgar.  No.  ifv,  ]l  alt  Street. 
GEORGE  A.  OSGOOD, 
I  Banker,  No.  35  Broad  Street. 

''^''%j:^!^'^n,an  &-  Co.,  Dry  Goods,  82  .-^  .4  "^-'*  St. 

,"^''^'  Antho),'y's^))k  Dry  Goods,  No.  (A  Leonard  .Street. 

^■'■^''''''pM.'1'ohhe  Eagle  Fire  Insurance  Co..  7.  lYall  Street. 

-'"'''"^a^!;;'^'ci::Ero,.isions,  No.  400  West  T.W/th  Street. 

^■"'''"'lllyuZrogues  &-  Co.,  Dry  Goods,  No.  toy  Eranklin  St. 
CORNELIUS  R.  BOGERT   M    D 

Physician.  No.  8  St.  Mark  s  Plate. 

■^'  ■'  ■  '   7.  'f.  Srvimmr  ^r'  Co.,  China,  78  Warren  Street. 

II.  /.-.  <-  ^jf'j/-l.^^j;i^^  ^  ^.g^  ji^y  (;„^s,  cor.  Church  *•  Worth  Sts 

"  '''''l-^l.Pres'id'eni  and  Actuary  of  the  N.  Y.  Life  Insurance  Co. 
MORRIS  FRANKLIN,  President. 
WILLIAM   H.  BEERS,   V.  Pres't  and  Actuary 

THEO.  M.  BANTA,  Cashier. 

CORNELIUS  R.  BOGERT,  M.D.  >  :^redlcal Examiners. 

GEO^iOE  WILKES,  M.D.  ) 

CHAS.  ^A^RIGHT,  M.D.,  Assistant  Medical  Examiner. 

''--     A.    DYER,   Superintendent  of  Agencies. 


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outk  Street. 
Ireets. 


Street, 
d  i^treet. 


I4  Worth  St. 
'Street. 
W nil  Street. 
Ifth  Street, 
ranklin  St.     , 

'eet. 

y  Worth  Sts. 

'nsurance  Ci>. 

md  Actuary. 


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ATeff-  TbrA^  Zife  Imurance  Company. 

V  The  New-York  Life  Insurance  Co.  is  one  of  the  Oldest 
!  Institutions  of  the  kind  in  America. 

Having  been  chartered  in  the  year  1841,  and  commenced  business 
in  May,  18^5.  During  the  twenty-five  years  of  its  existence,  it  has 
issued  policies  upon  the  lives  of 

More  than  68,000  Persons, 

)    And  has  paid  in  losses,  $6,000,000  to  the  families  and  represen- 
tatives of  those  who  have  deceased  while  members  of  the  Company. 

Ed^  Special  care  in  the  selection  of  its  risks,  strict 
economy,  and  a  safe  and  judicious  investment  of  its 
funds,  emphatically  characterize  the  management 
of  this  Company. 

Policies  arc  issued  in  all  the  favorable  forms  which  experience  has 
indicated  as  favorable  to  the  assured,  and  can  be  made  pa>able,  at  a 
specified  time,  during  the  lifetime  of  the  assured,  or  at  death.  Pre- 
miums may  be  paid  annually,  semi-annually,  or  quarterly. 

s     The  following  tables  concisely  exhibit  the  progress  of  the  Company  "^ 
y  during  the  past  six  years: 

I  fur  llpcTi»i.()    for 

P^id  for  1a)IIM. 

$;U5,'J00 

■l'J0,5-J--' 
480,197 

741,043 
758,104 


RrceiTed  fur 
Premiuttu, 

1864 $1,477,193 

18C5 '->,084,804 

18fi6 2,736,062 

1867 3,104,0.')I 

1868 3,912,136 

1869 5,104,640 


$18,418,886 


AtieU  «t  end  ot  jcar. 

1864 1.3,741,078.18 

1865 5,018,349.06 

1866 7,009,092.25 

1867 9,159,753.91 

1868 11,000,822.60 

1869 13,327,924.63 


Rrfri»f()  for 
InterBUl,  &r 

$252,617 
261,014 
352,742 
487,339 
766.144 
870,157 

$2,990,013 

|nrrFa*e  of  Aiiel* 
liter  picTiuua  jeBr. 

$1,035,411.74 
1,277,370.58 
1,990,643  19 
2,150,661.66 
1,84I,0(>8.6I) 
2,327.102.03 


$3,345,346 

raih  DiTidendj 
artuktlf  paid. 

$93,555.38 
250,38^ .  14 
282,22 i.i; I  V 
381, rj»  >-; 
l,225,Sa  .'•„ 
1,5,15,399.  i  I 


Total,  $10,622,2.57.89       $3,769,386.97 

During  the  six  years  $3  345,346  have  been  disbursed  for  losses, 
.$3,769,386  have  been  returned  to  policy  holders  in  dividends,  and 
«yet  the  assets  exhibit  an  increase  during  that  period  of  over  ten 
i)<i  hat/  million  dollars. 


and. 


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l;4  ^'etf-  Tork  J.i/'e  Iiuurance  Company. 


The  business  of  the  Company  is  strictly  mutual,  all  the  surplus 
being  divided  annually  among  the  members,  as  cash  in  payment  of 
I'KEMIUMS,  or  the  dividends  can  be  applied  to  increase  the  sum  assured, 
\,  and  used  at  any  subsequent  period  to  assist  in  the  payment  of  pre- 
miums. 

The  dividend  system  adopted  by  the  New-York   Life  Insurance 
Company,  returns  to  each  individual  the  surplus  which  he  has  con-  / 
tribuled  to  the  funds  of  the  Company,  over  and  above  the  sum  which 
it  has  cost  to  carry  the  insurance,  and  is  known  technically  as  the 
''Contribution  I'lan." 

The  premiums  charged  by  the  Company  are  based  upon  certain 
assumptions,  as  follows,  viz.  :  that  the  mortality  of  members  will  be  as 
great  as  is  called  for  by  the  standard  tables  of  mortality,  that  the 
mvestments  of  the  Company  will  yield  four  per  cent,  per  annum,  and 
that  an  estimated  percentage  will  be  absorbed  for  working  expenses. 
But  the  experience  of  the  Company  in  all  these  respects  is  much  more 
favorable  than  the  assumptions,  and  it  becomes  an  important  con- 
-«  sideration  that  the  excess  arising  from  these  and  other  sources  should 
J  be  equitably  divided  among  the  contributors  to  such  surplus,  return-  -< 
ing  it  in  proper  proportions  to  those  entitled  thereto.  ^  ^jy- 

Most  eminent  authorities  deem  the  "Contribution  Plan"  as  the      ^^ 
nearest    approach  to  exact  Justice    among  all  the  members.      By 
it  each  policy  is  credited  with  the  premiums  paid,  and  its  reserve 
from  the  preceding  year,  if  any,  and  the  interest  earned  thereon. 
It  is  charged  with  the  net  cost  of  insurance  for  the  year,  and  the 
reserve  (or  amount  requisite  to  be  retained  in  the  re-insurance  fund. ) 
The  difference  between  these  constitutes  the  dividend,  or  sum  which 
the  assured  has  contributed  during  the  year  in  excess  of  the  amount 
actually  required.     The  dividend  (the  conditions  remaining  unaltered) 
naturally  increases  each  ycai,  lor  the  reason  that  the  "  reserve  "  grows 
a')^    with  the  age  of  the  policy,  and  is  estimated  to  yield  an  interest 
^    -      of  only   four    per  cent.,   per  annum,  while  it  actually  realizes  a    R^£ 
"\  much  higher  r.nte;  and  the  difference  goes  to  increase  the  returnable  /  jjm^ 
surplus    on    each    particular    policy.     As    the    investments   of   the  '   B?  '^ 
Company  approximate  to  seven  per  cent.,  per  annum,  the  importance      ^ 
of  crediting  each  policy-holder  with  the  excess  which  his  reserve 
earns  over  four  per  cent,  can  be  readily  seen,  particularly  in  cases 
where  policies  .-kc  paid  up  in  full,  or  where  payments  are  completed 
by  a  limited  number  of  annual  premiums  (m  lo  payment  policies, 
for  example.) 

Some  of  the  older  policies  in  the  Company  will,  the  present  year 
.  realize  a  cash  dividend  on  the  policy  proper  (without  reference  to  prof- 
{  its  on  dividend  additions)  of  over  sixty-eight  per  cent,  uf  the  annual  j 
rf  premiums. 

9 


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I  the  surplus      ^^ 

'AYMENT   OF 

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nent  of  pre- 


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he  has  con- 
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plus,  return-  j^ 


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^tht-Tork  Zife  Inturance  Company. 


f  i5i-7saii  sii^s)>?®ii?iimi  v^m* 


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The  system  popularly  termed  "  The  Non.Forfelture  Plan,"  was 
originated  and,first  presented  to  the  public  by  this  Company  in  their 
welt-known  "Ten  2'ear  Ji/'on- Forfeiture  f^Hcy ,"  m  iht 
year  i860;  and  its  perfect  adaptation  to  the  wants  of  every  class  in 
the  community,  obviating  every  reasonable  objection  to  Life  Insurance,  \  §,  £* 
is  shown  from  the  fact  that  every  Company  has  been  compelled,  In 
deference  to  public  opinion,  to  adopt  it,  although  in  many  cases  it  is 
done,  in  such  a  way  as  considerably  to  impair  its  value.  It  has  re- 
ceived the  ungualiftea  approval  of  the  belt  butinett  men 
of  the  land,  large  numbers  of  whom  have  taken  out  policies  under 
it,  simply  as  an  investment. 

By  the  Table  on  which  this  class  of  Policies  is  based,  a  person  in- 
curs no  risk  in  taking  out  a  policy.     Insuring  to-day  for  $10,000,  if  he 
should  die  to-morrow,    the  $io,oco  immediately  becomes  a  claim ; 
"  and  if  he  shall  live  ten  years,  and  make  ten  annual  payments,  his 
'  policy  will  be  paid  for,  and  his  dividends  still  continue,  making  ' 

mS  UFE  POXJCY 

A  SOYTRCE  OF  XNGOHIE  TO  HIM 

TXTHIX.E  UVXNG. 

By  the  specific  terms  of  these  policies,  and  not  by  vagtie  and 
indefinite  statements  made  in  circulars,  a  party  after  the  second  year 
does  not  forfeit  what  has  been  paid. 

Thus,  if  one  insuring  by  this  plan  for  $10,000,  discontinaes  after 
the  second  year,  he  is  entitled  to  a  PAID-UP  POLICY,  according' 
to  the  number  of  full  years  paid  in,  viz. . 

Second  year,  two-tenths  of  $10,000,  (am't  insured),  amt'g  to 
Third  year,  three-tenths  of        "  "  " 

Fourth  year,  four-tenths  of        "  "  " 

Fifth   year,  five-tenths  of        "  "  " 

And  so  on,  until  the  tenth  annual  payment,  when  all  is  paid. 

The  paid-up  policies,  for  the  proportionate  partial  payments,  as 
well  as  for  the  full  amount,  participate  in  the  Dividends  of  the 
I  Company  during  the  wholi  existence  of  the  policies. 


12,000 

3.000 
4,000 

5,oco 


■^^\c^'^.^~^~ 


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^^'N  ,.^t^?^ 


JVeif-Tbri-  JJfe  /niuiance  Company 


t^t- 


im'mMMi  ^@it®ii3. 


This  form  of  policy  embraces  the  principles  of  both  Life  Insurance 
and  the  Savings  Bank.  By  it  a  party  protects  his  family  or  others 
whom  he  wishes  to  benefit;  and  upon  attaining  a  specified  age,  reaps 
for  his  own  use  the  advantage  of  the  savings  he  has  made  in  earlier  V, 
years,  thus,  in  addition  to  providing  for  contingencies  on  the  pathway 
of  life,  returning  him  the  principal  and  a  fair  interest  upon  the 
investment.  ijr 

The  payments  upon  these  policies  may  bt  made  to  cease  in  ten  ^  ^ 
years,  or  continue  during  the  term  of  the  policy. 

Endowment  policies  on  annexed  Tables,  after  the  payment  of  two 
entire  years'  premiums,  are  non-forfeitable  for  such  a  proportion  of 
the  original  sum  as  the  number  of  annual  premiums  paid  bears  to  the  \ 
total  number  required  by  the  policy.   Example:  For  as  many  thirtieths,  ' 
twentieths,  and  tenths,  as  premiums  have  been  paid. 


All  Policies  now  issued  by  this  Company  cont.iin  the  "Non-For 
.feiture"  clause,  providing  for  their  surrender  to  the  Company  in  case 
the  assured  should  desire  for  any  cause  to  discontinue  the  payment  of 
premiums. 

All  losses  are  payable  in  sixty  days  after  the  receipt  of  satisfactory 
proof  of  death.  In  proving  the  death  of  a  party,  affidavits  arc 
required-upon  blanks  furnished  by  the  Company,  from  the  attending 
physician  of  the  deceased,  the  clergyman  officiating  at  the  funeral, 
and  the  sexton  or  undertaker  having  charge  of  the  interment,  and  in 
all  cases  the  identity  of  the  party  is  to  be  cle.-irly  shown.  Instances 
may  occur,  wherein  strictly  legal  proof  cannot  be  obtained,  in  such 
events  such  reasonable  evidence,  as  a  prudent  man  would  require  in 
the  payment  of  his  own  funds,  will  be  received  as  satisfactory. 


%^f- 


:^\!\ 


:^^^  H 


Insurance 
'  or  others 
age,  reaps 
2  in  earlier  V, 
le  pathway 
upon  the 

p 

;ase  in  ten  ,^|^ 

lent  of  two 
Dportion  of 
lears  to  the  ^ 
y  thirtieths, 


"Non-For 
any  in  case 
payment  of 


satisfactory 
ffidavits  arc 
lie  attending 

the  funeral, 
nent,  and  in 
.  Instances 
ed,  in  such 
lid  require  in  I 
;tory. 


.Yen'-  Vork  JAfe  Tmnrnnce  Company, 


AMON&  THE  ADVANTAGES  OIPEEED  BY  THE 
NEW-YOEK  LIFE  INSUEANOE  00.  AEEs 

ist.    Pure  Mutuality,  sn  that  the  entire  surplus  earnings  over 

the  actual  cost  of  insurance  is  returned  to  each  member. 

2d.  _  Age,  having  been  organized  in  1S45.  It  has  the  benefit  f)f  the 
experience  of  nearly  a  quarter  of  a  century,  and  members  are  thus 
guaranteed  from  all  doubtful  experiment  in  the  method  of  conducting 
Its  business. 

I  3d.  Stability  and  Perpetuity,  shown  by  the  accumulation  of  a 
capital  of  Thirteen  Millions  or  Dollars,  after  paying  all  losses 
promptly,  and  returning  large  dividends  to  its  members.  It  has  now 
an  income  <jf  over  Six  Millions  Of  Dollars,  and  the  interest  on  its  in- 
vestments, with  premium  on  gold,  &c.,  has  been  sufficient  during  the 
past  two  years,  to  pay  accruing  losses,  j 

4th.  Economy  in  its  Management.  The  ratio  ofits  expenses  to 
its  receipts  has  been  for  several  years  less  than  any  other  New  York 
Company. 

5th.    Non-forfeiture  of  Policies.     It  originated  the  system  of' 

non-forfeiture  of  policies,  and  to  it  the  public  are  indebted  for  a  feature 
so  favorable  to  the  insured. 


I 


6th.  Dividends.  Its  dividends  are  declared  annually,  and  are 
available  immediately  as  cash  in  payment  of  premiums.  Many 
companies  declare  their  dividends  annually,  but  do  not  pay  them  till 
several  years  thereafter;  others  defer  the  declarations  for  two,  three 
or  four  years,  from  the  time  when  the  policy  commences.  In  this  ^  i 
Company  a  party  always  has  a  dividend  which  can  be  used  in  the 

payment  of  the  second  and  all  subsequent  annual  premiums. 


Its  Dividend  Syst?^m  is  the  "ConiHIiution  Plan,"  by  which  1  Cv2, 
aember  is  charged  th  ;  exact  cost  of  his  jiisuranre,  and  receives  ^^^ 
his  surplus  payments.     These  dividends  can  remain  with  the      ^ 


7th. 
each  member 

back  his  surplus  payments. 

Company,  participating  i-.i  its  earnings,  and  be  used  at  any  subsequent 
period  in  the  payment  of  premiums. 

8th.    Liberality  in  Settlement  of  Losses.    Experience  has  shown 

that  cases  arise  where  policies,  although  equitably  claims,  are  not 
legally  so,  The  records  of  this  Company  bear  many  acknowledg- 
ments from  widows  and  relatives  of  deceased  members  of  its  liberality 
and  fairness  in  settlement  of  all  such  losses.  There  being  no  stock- 
holders in  the  Company  to  share  its  profits,  interests  adverse  to  policy- 
holders cannot  possibly  arise,  the  Trustees  simply  occupying  the  po-  i 

.  sition  of  .arbitrators  between  the  members,  with  no  inducement  to  take  ' 

I  from  one  and  give  to  another. 


:w^^,  --^Jlil^--  l^:^^i 


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Wk  live  in  a  progressive  age  ;  the  world  m  teeming 
with  new  discoveries;  the  arts  and  sciences  are 
advancing  in  rapid  strides ;  the  march  of  improve- 

J  nieut  is  onward  toward  the  goal  of  perfection  ;  and 
"  man  hath  sought  out  many  inventions"'  to  benefit 
his  creature  man. 

There  probably  has  never  been  a  period  within 
the  history  of  the  world  in  which  so  much  has  been 
done  to  benefit  and  ameliorate  the  condition  of  the 
human  family,  as  is  being  done  at  the  present  age 
Every  year  gives  birth  to  new  associations,  the 
objects  of  which  are  the  promotion  of  human  happi- 

^ness.     It  is  the  theme  ot  all  societies  ;   all  advocate 

Charity,  and  claim  to  be   philantliropists.      Aside/^ 
from  that  divine  organization,  the  Church,  there  are 
iunumerublo  benevolent  associations,   from  nearl\ 
all  classes,  the  designs  of  which  are  lo  better  pro-    , 
tect  mankind  and  extend  the  fostering  care  of  friend-  n  , 
ship  to  the  helpless  and  needy.     Indeed,  it  is  the 
boasted  object  of  all  free,  civil  and  religions  institu- 
tions to  elevate  all  classes  to  a  standard  of  equality, 
ho  far    as    relates    to  opportunitii-s   for   acquirinir 
knowledge  an''    .lie  necessary  competence  of  this 
world's  goods— of  which  every  one  is  considered  to 
iiavo  (withoiu  reference  to  birth)  a  imtural  right  to 
lis  much  as  shall,  at  least,  place  him  above  want 
and  suffering. 

And  the  most  potent  of  these  benevolent  asrccia- 
tions  is  that  of  Lifk  Insuuance,  which  has  saved 
from  suffer  iig  and  want  many  thousands  who  now 
bless  the  provident  hand  that,  while  living,  nuule 
Lthe  n(>eessarv  preparation  for  their  maintenance  inJ 

^  -.'.'..  \\\w\\  this  shall  be-iJ 


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decease. 


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teeming 
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I1B8  been 
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Asidt/^ 
there  are 
n  nearly 
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it  is  the 
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equality, 
icquirinfr 
1  of  thi.-i 
idered  to 
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asECCia- 
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rt'lio  now 
ig,  nmdc 
innnoi'  inj 
shall  be-^ 


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.\'<H-lorA-  /.!/<■  /iisiirtniir  Conipittiy. 


tip 


'  come  universal,  and  the  boon  of  every  family  |  which  ^ 
wo  hope  one  day  to  see),  there  will  then  be  a  more  " 
general  and  equal  distributioti  of  property,  and  wo 
shall  no  more  hear  of  destitute  widows  and  orphans 
being  thrown  upon  the  cold  charities  of  the  world. 
SutVering  and  want,  hunger,  ccdd  and  nakedness, 
wretchedness,  misery,  distress  of  body  and  mind, 
and,  we  might  add,  crime  in  some  of  its  most  re- 

)  volting  forms  (for  want  often   leads  to,  and  is  the 
parent  of  crime),  will  be  strangcsrs,  where  now  they 


stalk  abroad,  around  us,  and  in  our  very  midst.  I  p 

To  mitigate  the  ills  pertaininy  to  our  mortal  ex-  ^ 
istence,  it  is  clearly  a  philanthropic  measure,  and 
should  receive  cur  earliest  attention,  ranking  first 
among  the  secular  duti""  "f  life.  It  has  been  truly 
said,  that  "LZ/'f  /■iiunirice,  which  is  entitled  to  and 
receives  a  high  rank  among  all  benevolent  and 
Nuseful  institutions,  is  now  engaging  the  attention  of 

^tliose  thinking  men  who  are  accustomed  to  reflectj^ 
deeply  on  the  past,  and  to  form  just  anticipations 
of  the   future ;    being   received   with   the   greatest 
favor  in  those  countries  where  education   is  most 

\r  diffused,  and  where  the  obligations  of  social  life  are 
most  regarded." 

Age  of  Life  Insurance. 

The  oldest  company  in  England  was  established 
nearly  150  years  ago.  Others  soon  followed,  which 
are  still  in  successful  operation,  and  have  large 
accumulations.  In  this  country  they  have  been  in 
successful  operation  for  about  twenty  years.  Though 
many  experiments  have  been  made,  many  plans 
devised,  to  cheapen  tiie  yearly  annuities  in  order 
to  induce  men  to  fav.<r  certain  companies,  »Iiieh 
Lhavo  brought  into  existence  many  ephemeral  ones, 
sSyet  to  the  present  time  there  has  been  no  failure  of; 


•^  l^yet  to  the  present  tune  there 


^^ 


'-  -Vj^J  '-'^. 


-^ 


V/M 


m 


r 


t^ 


.<->' 


•v-r-y-^l 


.  1  >■«•-? o/-y(-  /.//»■  Inturniice   ('om/i(tny. 

liny  wcll-r(;gulato(l  compiiiiy,  when  uuconnecttnl 
with  othor  business,  whoso  officers  duly  attondotl  to 
their  duty,  and  wi'ro  honest  men. 

ISncertaint^  of  otKer  UnueatmcntB. 


lice — f 
Lifo^ 


Fn  all  branches  of  business,  whether  inanufaetur- 
)  ing,  commercial,  or  agricultural,  success  depends 
upo!»   a  variety  of  continjjjont  circumstances       A 
man  vunj  profit  by  his  investment,  or  he  maij  lose. 
There   can  be  no   positive  and    siini     calculations 
.    made  of  a  stipulated  amount  of  profits  <)r  returns. 
/     Whatever  may  be  the  probabilities  witli  the  most 
3     accurate  and   mathematical  calculations,   there  al- 
rn    ways  are  more  or  hiss  uncertainties  attending  any 
spoc\ilation.      The   caprice   of    fortun*^   rules  des- 
,potically  over  all  liranches  of  business       This  i^ 
'even    tiie    case    with    many    forms  of  insuran 
indeed,  we  may  say,  all  Imt  a  well-regulated 
Insurance.       In    fire    and    marine    insurance,    the 
chances  are  supposed  to  be  as  a  thousand  to  one, 
that  a  building  is  not  burned  or  a  vessel  lost,  subject  ^ 
to  the  caprice  of  fortune.     No   correct  and  abso- 
lute  data  can  be  formed.     A  succession  of  good 
luck  will  enrich  a  C(unpany  in  a  few  years,  while  a 
cuhmiitous  /(>f',  destroying  but  a  small  proportion 
of  one  of  our  great  towns,  would  be  sufficient  to 
p.  ^  bankrupt  nearly  every  fire  company  in  the  State.  ^^ 
t,     Again,  monies  expended  in  fire  or  marine  insurance     >^ 
(as  well  as  in  most  other  forms  but  life)  bring  no     "" 
returns,  unlrss  we  suffer  a  loss  which  must  equal  or 
exceed   the   amount  of  money  wo  are  to  receive. 
For  this  chance  wo  have  to  pay  a  premium,  which, 
at  the  end  of  a  year,  if  our  house  has  not  been 
burnod,  or  at  the  end  of  a  voyage,  if  our  vessel  has 
,not  been  lost,  is  an  investment  from  which  we  get 
mo  return,  and,  so  far  as  wo  are  individually  con-^ 

r  -     -  '^ 


'%Q^'^^^^Mm^'-<^-^ 


r 


S»: 


>^l 


innectt'tl 

DlldtHl  to 


f 

ufactur- 
depoiids 

Cl'8  A 
tdi/  lose. 

Mlluti<)ll!S 

returns. 

llU    IllOrit 

;lior«  iil- 
liiifT  any 
los  ih's- 

This  is 
iraiiiu' — A 
ti)d  Life 
nee,  the 
1  to  oni), 
,  subject  ^ 
lid  ubno- 

of  good 
,  while  a 
'oportion 
icient  to 


I 


tie  State. 
[iBuriince 
bring  no 
equal  or 
receive. 
1,  which, 
iot  been 
BHsel  ha8 
h  wo  get 
ally  con- 


^ 


fK^ 


%.     ccrned,    i.s   so   much    money    thrown    away       Lif'' 
Insuraneo  exhil)it!S  tlie  contrary  t>f  all  this 


?i^.c.^  .-.AMm^ 


,«>.■© -VA4> 


."S'V- 


J\>M-rorA-  Life  Imuraiir,    Com/intiy. 


Certainty  of  Life  Insurance. 


*      Prevading  all  nature,  we  find  ci-rtain  fixed  and 
pormaneut  law.s  which  never  change  ;  as  that,  by  the 
'  force  of  gravitation,  water  seeks  its  own  level— or  ^y 
by  the  application  of  heat,  it  is  converted  into  vapor    ^^ 
— or  by  the  abstraction  of  heat,  into  ice ;  the  earth     S* 
turns  upon  its  own  axis;  the  sun  rises  in  the  east ; 
crystals  assume  certain  forms  in   particular  salts, 
which  never  vary,  <kc.     So,  in  the  calculations  for 
Life  Insurance,  which  are  based  upon  the  laws  of 
mortality,  obtained   from   observations  in  various 
parts  of  the  world  for  the  last  two  hundred  years. 
^Fiom  these  are  deduced  the  expectation  of  lif  (^,  and 
tables  are  formed  from  which  we  can  learn  the  aver  I 
age  of  expected  life  at  any  age.     As,  for  instance 
we  learn  that  1,(KK)  persons,  at  the  age  of  2r>,  wiil 
yet  live  to  average  about  37i  years  each ;  at  the  «ige 
of  about  30,  about  344  ;  and  at  the  age  of  35,  just  ^ 
31  years  each ;  and  so  on.     Now,  these  facts  are  found 
to  bo  as  certain  and  as  fixed  a  law,  as  any  other  before 
mentioned.   Observations  in  Paris,  London,  Carlisle, 
«-    Northampton,  and  this  cimntry,  made  by  the  most 
*^    experienced  actuaries,  obtain  (within  a  fraction)  the 
'^"\  same  results.     Having  these  tables  before  us  from  ^ 
which  we  can  adduce  the  av<irago  of  expected  life 
at  any  ago,  wo  have  <mly  to  charge  each  individual 
that   sum  which,    in   the    number   of  years   he    is 
expected  to  live,  willjustaniountto  the  sum  for  which 
ho  insures.    It  matters  not  if  the  first  of  1 ,000  should 
decease  the  first  year,  the  next  one  may  live  twice 
the  expected  term,  and  the  whole  are  certain  to 

imake  as  many  payments  as  will  amount  to  the  whole 
sum  for  wiiich  they  ore  oil  insured.     Now,  BB^h«' 


r 


•.^^^.  ^.imU^-^.  r^: 


\ 


Aef-J'ori-  Life  Tniuranre  CoHipauy- 

proiniums  for  insuriiiff  on  lifo  iire  based  upon  these 
fiiets  together  with  the  experience  of  many  years, 
they  cannot  fail  to  render  a  Life  Pohcy  a  sure 
resource  when  death  occurs.  So  that  Life  Insurance 
may  b(!  truly  said  to  be  a  matter  of  certainty. 

/ 

Incertaint^  of  other  Insurance. 

In  fire  risks,  there  can  be  no  certain  data  for 
calculations.  We  cannot  tell  how  many  buildings 
niav  burn  in  a  year  or  a  given  number  of  years,  and 
the"  best  of  calculations  are  but  a  hazard,  the  result  ot 
'ruess  work,  a  mere  chance  affair;  and  that  may  be 
said  of  all  other  insurances,  excepting  life.  All 
M  other  risks  are  uncertain,  even  after  nmny  years. 
-.But  the  cessation  of  life  is  certain ;  death  is  sure  to 

'•ome.  ( 

Again,  a  fire  may  consume  but  a  part,  or  au^- 
other  loss  may  be  but  a  partial  one.  But  in  Lite 
Insurance,  death  takes  the  whole;  there  a:e  no 
'savings;  the  loss  is  a  complete  one.  And  all  N 
calculations  are  based  upon  these  certainties. 
Consequently,  no  life  comnany  can  ever  fail  where 
its  affdrs  are  managed  with  integrity  and  competent 
ability. 


Accumulattonft. 

Hut  there  are  other  considerations  in  Life 
Insurance,  aside  from  the  stipulated  sum  for  which 
each  one  insures,  viz :  the  accumulations.  All 
money  paid  in,  except  what  is  necessary  to  meet 
lourrent  expenses  and  losses,  is  invested  in  State  or 
United  States  Stocks,  or  loaned  on  bond  and  mort-{ 


4*" 


5** 


N^:^->  "^i^^^^  ^ 


*j 


rWiii.-^..-^.- 


data  for 
uildings 
ars,  and 
result  of 
may  be 
ifo.  All 
Y  yoaris. 
<  8uro  to 

;,  or  any 
t  in  Lito 

I  ave  uo 
And    all  ^ 
rtaiuties. 

II  where 
•mpetont 


n 


in    Life 

■or  which 

U8.      All 

to  meet 

State  or  I 

nd  mort-< 


-^^^^^    J^^-^- 


.VeH-rorl.  Life  Tnintance  Company. 


\% 


♦» 


ffutr.'  ..n  r.>al  .-state  worth  50  per  cent,  more  than 
^u^  tmmuit  of  the  sum  loaned.    The^se  „ve«tments 
of  e^rHe,  are  drawing  interest,  which  mterest  is 
lain  rel.  aned.  making  an  investment  at  compound 
Kest      These  interests  are  an  accumulation  to 
he  benefit  of  the  company,  which  in  a  few  years,  ^ 
!„  a  successful  one,  whose  expenses  ar.-  proport.on- 
„te  to  their  business,  amounts  to  a  large  sum 
:  "  V.;ive  an  idea  of  the  gains  of  compound  interest 
*20   invested   yearly,    commencing    at   birth    ana 
remaining  untouched,  amounts,  at  the  age  of  30,  to 
*l  VM^    at  the  age  of  40,  to  $3,09.5;  and  at  the  age 
!f  GO  to  th     enormous  sum  of  $10,600..     Twenty 
dolla  ;  a  year  for  sixty  years  is  ..nly  a  investment 
fn  principal  of  $1,200;    yet,    with   the    compound 
interest  it  amounts  to  nearly  nine  times  the  whole 
sum  invested. 


Bivibenbs. 

AH  accumulations  above  losses  "^"^^  «xr.enBes,  m  \j 
proprietary  or  stock  companies,  go  to  the  stock     ^ 
hoXrs     but  in  the  mutual   companies,  they    are 
divided  equally  among  the  life  members,  in  proportion 
rSe  amount  of  their  'e«P7«^«  P'«'X^„,]  ^^^ 
nurelv  stock  company,  the  friends  of  the  insurea 
purely  bmjob-  ^      i      /         nnliev      The  accumula- 
get  only  the  amount  of  the  policy,     i "«  »« . 
tions  and  savings  of  these  companies  m  t>°»e  become 
quite  large,  and  the  parties  interested  in  the  stock 
?not  thefn;ured)  rea'li.e  g'^^t  incomes    which,  m 

(publio  opinion  over  all  others. 


^S7^=^apf='^^ 


r^ 


V 


i^...^.  ,w^imiv^  r^^-^^"^ 


114 


J\''eH-- lori-  Life  Tnturanee  Company.  % 

A^oantages  of  the  Mutual  System. 

One  of  the  oldest  mutual  companies  is  that  of  the 
"Equitable  Society  for  Assurance,  of  London." 
This  has  been  in  successful  operation  for  about  10() 

^  years,  and  many  cases  of  large  profits  accruing  to 
"the  assured  are  reported  by  the  company,  showing 

)  the  practical  advantage  of  the  insured  participating 
iu  the  net  profits  of  the  business. 

Chambers'  Journal,  in  a  very  able  article  on 
the  subject  of  Life  Assurance,  states  that  "  after  a 
careful  examination  of  the  two  plans,  («<ocAr  and 
mutual,)  with  some  benefit  from  practical  experi- 
ence, we  do  not  hesitate  to  declare  our  conviction 
that  the  mutual  system  is  the  only  one  \vhi(;h 
THE  PUBLIC  at  large  are  concerned  to  support.     Of 

-jthe  stock  system,"  the  same  author  remarks,  tlln^    . 

'^"ira  one  instance  under  our  immediate  notice,  'rv.s/^ 
THOUSAND  POUNDS  of  paid  up  Capital  now  stand,  after 
seventeen  years'  business,  at  the  value  o/ £70,000  in 
the  stock  market,  beinff  600  percent,  of  premium. 
What  is  it  that  has  so  much  increased  its  value?  "•  ^ 
Only  those  surplusages  of  payment  by  the  public 
which  in  a  mutual  office  would  all  come  hack  to 
the  assured."  "In  fine,  the  system  of  mutual  AS- 
8URAN(;e,  'pure  and  undefiled,'  is  that  which  the 
public  should,  for  its  own  sake,  and  partly  for  the 

\  sake  of  morality  also,  support.     It  is  an  institution 
contemplating  unmixed  good  to  mankind." 

Professor  De  Morgan,  one  of  the  best  authors 
on  Life  Assurance,  observes,  (immediately  after 
giving  an  opinion  in  favor  of  the  mutual  system  as 
contrasted  with  the  stock,)  "that  there  is  nothing  in 
the  commercial  world  which  approaches,  even  remote- 
ly, to  the  'security  of  a  well  established  and  prudently 
Lmanagcd  Vife  Insurance  Company," 


ify-- 


~^"»'.^: 


:>*i^ 


^  ^'^i:mw  "^^^  "^^ 


-^^^^ 


r 


— ^ift^j 


n. 

it  of  tllC 

ondnn." 
)out  10() 
ruing  to ' 
showing 
cipating  ^^ 

•ticlp  on 
*'  after  a 
ock  anil 
experi- 
nviction 

Z  WHICH 

wt.  Of 
ks,  that, 
'ire,  TKN(^ 
nd.  after 
0,(XK)  in 
neniium. 
s  value! 
•,e  public 
•  hack  to 
'UAL,  A8- 
vhich  the 
\f  for  the 
istitution 


(Vk^ 


t  authors 
aly  after 
ystem  as 
othing  in 
n  remote- 
nudently 


'JJ^^^^:^^---^^   ^J^^1^- 


■^W^^ 


'.£=^ 


W^ 


Who  shoulb  Insure. 


i 


) 


--^ r^'»,  b4.v> 

-  1  &  wd** 

A'ew-  J'o'-*-  ''^«^«'  rufurance  Company.  i'  SJ  .^^^ 

With  tW»   desoriptioii    and    reliability   of   Lifo 

a  family  or  friends  dependent  on    \"n,*"'^  ,'?'*Pr.;; 
:aVctanins™o«pon  h.h^^th.u 

I'^'^^lr-FiS  -tS  yC;e  ui  .m.an^  to  provide  a 
Lecause .  1  irst,     tn  y  "  ^  fortune,    which 

certainty  against  the    cHauce^  "i   i 

-..elves  secure  against  want,  but  ''f^^y  l""'!*^!'!;;^/ 

Zy  cantot  invest  their  funds  in  - -^^^-^^^^^^ 
profitable  n.auner,  with  a  g-i^^  Y,<'':^J^«^2cf 

-^s;:t^=^cS^u^i=^weve^ 

small  thnncome,  a  little  can  bo  invested  for  the 

Sre  want  of  those  ^^0  othermse  are  to  be^^^^^ 

destitute  when  he  comes  to  die !     A  reahty  wnicn 

toT-becau8e  with  Ufe  the  income  ceases,  and^  to 


ter 


.,J 


I 


I? 

if'' 


•\J 


^■^.^-^<S  .^^^i^llv^  r^^^^^f^ 


16 


.Yew-  7'orl-  Life  Inntirunce  Cotnpnny. 


-^^ 


tli«  loss  of  11  husband  and  father  may  be  added 
dependence  upon  heartless  relations,  and  exposure  to 
insult  and  poverty. 

This  is  particularly  obligatory  upon  clergymen, 
who,  with  a  limited  salary  and  closest  economy  are 
only  enabled  to  sustain  themselves  respectably,  with 

^  scarce  a  thought  or  possibility  of  providing  a  future 
competency  for  their  families,  when  they  shall  have 

-^  been  called  to  render  up  an  account  of  their  stew-  , 
ardship.     Indeed,  we  hold  it  to  be  a  duty  of  every  ' 
"hurcE  to  provide  a  life  policy  for  their  pastor,  or 
at  least  to  add  to  his  salary  beyond  his  immediate 
wants  a  sum  enabling  him  to  do  it. 

The  merchant  should  do  it,  because  of  all  classes 
there  are  none  more  exposed  to  the  changes  and 
vicissitudes  of  fortune  than  he — though  rich  to-day, 
to-morrow   poverty    may    stare   him   in   the  face; 

-\though  apparently  independent,  yet  should  death( 

-^suddenly  come  upon  him,  his  executors  would  scarce 
find  enough  to  meet  his  obligations,  after  forcpd 
sales,  and  the  usual  sacrifices  attending  the  closing- 
up  of  business. 

General  Dearborn,  for  many  years  collector  of 
the  port  of  Boston,  said  in  a  public  address :  After 
an  extensive  acquaintance  with  business  men,  I  am 
satisfied  that  among  one  hundred  merchants  and  tra- 
ders, that  not  more  than  three  ever  acquire  indepen- 
dence." 

\  Another  Boston  writer  says,  that  the  statement 
made  by  General  Dearborn,  so  startling  and  appal- 
ling, induced  an  examination  with  much  care,  which 
proved  it  to  be  true ;  and  that  an  examination  of  a 
memorandum  made  in  1800,  of  every  person  on 
Long  Wharf,  compared  with  a  similar  one  made  in 
1840,  showed  only  five  in  a  hundred  remaining;  the 
the  rest  having  failed^  or  died  insolvent. 

The  young  man  should  insure  for  his  own,  his 

^^parents'.  his  sister's  benefit,  which  he  can  readily^ 


i 


*^ 


§|tsi.'*-  -^.^v  '^-^1%^^^^^^^^ 


\% 


X 


■>** 


««»»teiaii8aB«5MSw»s*«*«ei»«*»^  •»•"«'«»««•"«'«««**'*»"'- 


le  added 
)08urp  to 

•rgymen, 
lomy  are 
bly,  with 
a  future ' 
lall  have 
sir  stew- 
jf  ovary  ' 
astor,  or 
imediate 

I  classes 
igos  and 
I  to-day, 
ne  face; 
Id  death( 
Id  scarce 
r  forced 
closing- 

iBctor  t)f  ^ 
s:  After 
en,  I  am 
and  tra- 
indepen- 

;atetnent 
d  appal- 
•e,  which 
:ion  of  a 
(rson  on 
made  in 
ing;  the 

own,  his 
I  readily^ 


\% 


tV/- 


.*^v- 


i-'S      ^n-- 


^ 


^IV-.     J^-^^^^ 


^VeH>-Vorl'  Life  fnituraiice  t'onipatiy. 


i; 


IP 


.1 


change,  if  ho  chooses,  to  the  benefit  of  a  wife,  or 
wife  and  chiklrtMi,  when  he  shall  come  to  have  them, 
without  any  increase  of  yearly  premium. 

The  man  with  incumbrances  upon   his  property 
should  insure  to  the  full  amount  of  it,  to  enable  his 
family,  in  case  of  decease,  a  ready  means  to  meet  . 
all  payments,  and   secure   to  them   a  comfortable 
home. 

Creditors  should  insure  the  life  of  debtors,  as  the 
means  of  securing  the  ultinuito  ijayment  of  doubtful 
debts.  A  policy  of  Life  Insurance  i.s  also  applicable 
as  collateral  security,  when  credit  is  to  be  obtained, 
or  money  borrowed. 

©bjcctiona  to  ILifc  InButancc  Anevoercil. 

~N     First.    It  is  stated  that  if  the  same  sum  that  i.s 

-^expended  yearly  in  Life  Insurance  were  placed  in  ii^" 
Savings'  Bank,  or  put  out  at  interest,  it  would  in  ii  ~ 
few  years  rtW0M«7  to  as  nmch  as  an  insurance  policy. 
We  readily  grant  this  fact,  but  in  reply  would  ask, 
1  J  '  what  surety  is  there  that  a  man  will  live  a/ew  years, 
or  the  term  of  his  expected  life  even  ?  Or,  again, 
what  surety  is  there  that  he  will  put  out  this  stipu- 
lated sum  at  interest,  yearly  .'  Past  experience,  at 
least,  teaches  that  but  a  few  men  do  it ;  the  10,000 
widows  and  orphans  in  our  midst,  give  evidence  to 

\  the  foot  that  it  has  not  been  done  but  in  a  few 
instances.  Suppose  a  person  at  twenty-five  years  of 
age,  whose  premium  on  $1,000  would  be  $20.40  a 
year,  should  put  this  sum  out  an  interest,  at  the  end 
of  one  year,  if  he  should  decease,  his  family  gets 
barely  $20.40,  with  interest  added,  laaking  $21.82 
only,  whereas  from  a  life  policy  they  would  get 
4^  ,  $1,000,  with  his  proportions  of  the  accumulations. 

'      Serondhj.  It  is  objected  that  it  is  a  kind  of  lottery,J  ^ 
i  of  gambling :  that  to  make  it  a  successful^  2l^ 


%^ 


K)r  species 


W- 


-.J 


-=^ 


■^ 


JL. 


ir-- 


P-^s 


^■-K=' 


^%!tf->>^^^ 


.Yen- i oil-  J.ije  Jniuriinee  Compuny. 


* 


'  investment,  un  early  death  is  necessary,  &c.     But 
this  is  a  great  mistake,  and  is  only  made  by  those 
who  know  nothing  of  the  principles  of  Lite  Insur- 
iiuco.    There  is  no  gambling  about  it— there  is  even 
far  less  chance  in  it  than  in  the  ordinary  business 
of  life.     As  has  been  before  stated,  the  expectation 
'  of  life   at  every   age   is  known,  and  each  man  is 
charged    that  sum  per  year  which,  in  the  given 
'  nuuiber  of  years  ho  is  expected  to  live,  will  amount  ^  • 
4*S     to  the  sum  for  which  he  insures,  which  bis  family     K  S 
'  '^     receives  at  his  death,  together  with  the  accumula- 
tions     If  he  dies  soon,  they  then  get  simply  the 
sum  for  which  he  insures,  with  a  small  accumula- 
tion     If  he  lives  beyond  the  expected  term  of  lite, 
they  get  the  amount  of  his  policy,  together  with  the 
addition  of  a  large  amount  of  accumulations;  and 
he  who  lives  to  pay  the  most  will  receive  the  most. 
-sit  is,  in  reality,  a  more  equal  distribution  ot  proper-/ 
■^ty,  according  to  the  expectation  of  life. 

Thirdhi.     It  is  objected  to,  on  the  grounds  that 
it  is  profiting  in  the  death  of  a  husband  or  father. 
<     Hence  we  often  hear  of  the  superstitious  idea  that 
,    .  I'  "  Life  Insurance   is  the  price  of  blood."     This  ot  ' 
course  arises  from  ignorance,  as  precisely  the  same 
objection  would  lie  against  any  and  every  sort  of 
provision  made  for  the  family  in  anticipation  of 
death!     Even  the  detail  of  property  finds  in  it  the 
same   objection;    yet   we   never   hear   that   these 
\  squeamish  persons  ever  refuse  a  dowry,  a  legacy, 

or  heirship.  ...        . 

The  truth  is,  that  Life  Insurance  is  simply  set- 
ting aside  and  investing  a  yearly  sum,  with  the 
certainty  of  a  safe  return  with  accumulations ; 
whereas  other  investments,  with  a  profitable  and 
sure  return,  are  not  so  easily  found,  and  often  end 
in  an  entire  loss.  .,..,,        u    I 

L    It  is  an  association  formed  by  individuals,  whoj 
^unite  together,  under  a  contract,  to  support  ^^^ 


X» 


U 


£ 


-•J* 


■•4 


&c.  But 
by  those 
ifo  Insur- 
re  is  even 
business 
tpectation 
!h  man  is 
the  given 
ill  amount 
Ills  family 
iiccumula- 
iimply  tbe 
accumulu- 
rin  of  life, 
sr  with  the 
tions;  and 
)  the  most, 
of  proper-; 

ouuds  that 
or  father. 
s  idea  that 
•  This  of 
y  the  same 
)ry  sort  of 
iipatiou  of 
ds  in  it  the 
that  these 
,  a  legacy, 

simply  set- 
1,  with  the 
mulations ; 
fitable  and 
d  often  end 

iduals,  who 
pport  each( 


^<J 


'*» 


^mu^  A^->^m 


Zi/'e  Intiiriinre 


Company, 


JitCi 


other's  families  in  case  of  death.  In  order 
accomplish  this,  it  becomes  necessary  to  establish 
a  fund,  which  is  done  by  a  yearly  contribution, 
duly  apportioned  among  them,  according  to  their 
expectation  of  life,  and  the  amount  to  bo  '•oceivcd 
by  the  family  at  each  one's  decease. 

Fourthly y  and  lastly.     It  is  objected  to  on  the 

grounds  that  it  is  distrusting  the  goodness  of  Prov- 

)  idcnre.     And  the  hypocritical  pharisee,  who  is  too 

supremely  selfish  to  deny  himself  the   indulgence 

of  some  unnecessary  and  perhaps  filthy  habit,  in 

order  to  provide  his  wife  and  children  against  want, 

offers  as  an  apology  for  his  conduct  his  trust  in 

Providence,  as  if  Providence  would  smile  upon  or 

countenance  such  blasphemy.     Such  a  trust  is  sure 

to  end  in  disappointment. 

_i^       In  the  language  of  a  celebrated  divine,  "What 

~)right  has  a  man  to  trust  to  Providence  to  do  for 


him  what  Providence  has  enabled  him  to  do  for/|'  * 
himself  ?     The  wisdom  and  goodness  of  Providenco^^ 
are  shown  in  giving  man  the  power,  and  placing 
him  in  circumstances  in  which  he  can  exercise  it. 
A  neglect  to   use  and  exercise  this  power,  is   a 
disregard  of  Providence  and  his  manifest  designs. 
Does  a  man  show  his  trust  in  Providence  by  enter- 
taining the  expectation  that,  though  he  shall  neither 
plow  or  sow,  yet  somehow  a  crop  shall  spring  up, 
which  he  shall  bo  permitted  to  reap  ?     Or  rather, 
is  not  the  right  trust  shown  by  plowing  and  sowing,  ,  J^ 
planting  and  watering,  and  then,  after  all,  looking   "  ^ 
to  God  for  the  increase.     All  that  our  limited  power 
and  wisdom  can  accomplish,  it  behooves  us  to  do ; 
and  after  that  is  done,  there  will  still  remain  an 


abundant  scope  for  the  exercise  of  a  trust  in  Provi' 
dence." 


'^'^fe^'^^ 


r 


^Iv 


Tr- 


' =^ 


.^'eH■- IhrA-  Life  Intiirance  Company. 

l/ife  Ingurance  of  iSreatcr  Moment  tKan 
other  ItijBurance. 


Scarce  any  one  of  intelligence  at  this  age  doubts 
the  propriety  of  securing  his  house  or  property  by 
an  insurance  against  the  possibility  of  a  loss  by 
tiro  or  otherwise ;  and  yet  this  is  absolutely  of  far 
less  importance  to  the  family,  than  an  insurance 
upon  their  only  reliable  property  invested  in  a 
husband  and  father,  which  is  constantly  exposed  to 
the  hazard  and  uncertainties  of  life.  Should  a  loss 
occur  in  the  former,  industry,  perseverance,  and 
economy  will  in  a  few  years  replace  it;  in  the  latter, 
it  is  a  complete  and  fatal  one,  and  can  never  be 
regained  in  this  world.  Truly  sad  is  tliat  fate  which 
sbrings  with  it  poverty  and  want,  when  the  certain- 
'ties  of  that  loss  by  death,  shall  come  to  be  realized 


V 


Earlj  Attention  to  Life  Inaurance. 

Life  Insurance  should  then  receive  the  earliest 
attention  of  every  one  who  has  a  family  or  friends 
dependent  on  him  for  support.  The  welfare  of  those 
we  have  sworn  before  high  Hea  en  to  protect, 
demands  it.  The  oflfspring  whom  God  has  given  us, 
•\  and  to  whom  we  owe  a  fostering  care,  demands  it. 
The  welfare  of  society  demands  it.  The  laws  of 
Grod,  of  man,  of  human  sympathy  and  kindness, 
demand  it.  We  owe  it  to  ourselves,  to  our  con- 
sciences, to  all  that  is  near  and  dear  to  us,  to  make 
such  adequate  provisions  as  are  within  our  means, 
for  those  who  have  a  right  to  that  protection  which 
the  laws  of  kindred  nature  claim.  Indeed,  it  should 
^be  a  privilege  as  well  as  pleasure  to  every  good 
ffret  citizen ;  and  in  the  language  of  the  apostle 


^^ 


^U 


t^ 


\J'' 


->^^5 


^=^^ml 


it  than 


.ge  doubts 
oporty  by 
a  loss  by 
tely  of  far 
insurance  ' 
gtod  in  a 
exposed  to 
juld  a  loss 
•ance,  and 
the  latter, 
never  be  j^^ 
fate  which  j^ 
le  certain-^  a^ 
e  realized. 


mce. 

lie  earliest 
or  friends 
re  of  those 
to  protect, 
s  given  us, 
emands  it. 
le  laws  of 
kindness, 
>  our  con- 
18,  to  make 
>ur  means, 
tion  which 
J,  it  should 
f good  a 
apostle, 


'/i^r- 


•K^/--'^^  .-  V '^^m^;.       .  ,.^>^->^ 


.V>«--  /  ifA-  Life  /N.1III  iiiirf   Coi'i/ttiiiy . 


"  If  a  man  provide  not  for  liis  own,  and  especially 
for  those  of  liis  own  house,  lie  liath  denied  tlio  fiiitli. 
and  is  worse  than  an  infidel." 


But  a  Small  Sacrifice. 


What  niiin  is  there  tliiit  cannot  spare  from  his 
income  the  small  matter  of  two,  four,  six  or  eight 
shillings  per  week,  and  not  feel  himself  any  the 
poorer  for  it ;  or,  if  needs  be,  who  cannot  deny 
himself  some  trifling  luxury  that  these  would  buy, 
to  provide  a  certainty  for  those  who  are  near  and 
dear  to  hini,  after  the  last  tie  is  broken  ? 

Who  is  there  so  devoid  of  feeling,  so  supremely 

selfish,  so  destitute  of  human  kindness,  as  to  add 

at  a  last  parting,  to  the  anguish  and  suffering  of 

those   to   wliom   lie   is  bound   by   the   nearest  and 

"^dearest  of  all  earthly  ties,  the  horrors  of  destitution, 


of  want,  and  of  misery.  And  especially,  too,  whenA' 
the  means  are  within  his  grasp,  and  at  so  trifling  a 
sacrifice  ?  Certainly,  no  one  that  fully  understands 
what  these  are,  and  how  readily  obtained,  who  is  a 
\^^  man,  in  the  fullest  meaning  of  the  term,  will  dare  to 
die,  and  leave  his  family  with  only  a  prospect  of  want. 

Indeed,  wo  hold  it  to  bo  a  fact  beyond  controversy, 
that,  with  the  advantages  of  the  present  age,  a  man 
has  no  right  to  die  without  first  having  secured  a 
competency,  so  far  as  h«  is  able,  for  the  wife  of  his  ^S; 
•^  bosom,  who  has  left  a  father's  house  to  share  in  his  ,  g^ 
troubles,  and  cater  to  his  happiness,  and  also  for  I*' 
the  offspring  which  God  has  entrusted  to  his  care. 

It  is  not  only  an  irreparable  wrong  against  them, 
but  it  is  an  injustice  to  civilized  society. 

We  speak  thus  positively  upon  this  subject, 
because  the  means  are  within  the  reach  of  all  who 
enjoy  a  fair  proportion  of  health.  The  expense  is 
ifar  less  than  most  people  imagine  who  have  no: 
investigated  this  subject. 


^C 


S'^='"=^^^=^ 


1:' 


'{• 


I 


^3> 


.'Sen- fork  Life  luiiHriiuce  Company.  q" 

All  Ma-j?  inaurc. 

Where  is  the   man  who  cannot  spare  a   small 
quarterly  or  yearly  sum  of  money  to  guarantee  his 
family  against  the  possibility  of  want .'      Not  one 
'who  reads  this  book  —  scarce  one  in  this  commu- 
nity, or  any  other.     At  least,  if  you  show  us  such 
)  a  man,  wo  will  show  you  one  who  spends  an  ecjual 
amount  for  the  indulgence  of  that  most  filthy  of  all 
habits,  the  use  of  tobacco,  or  some  other  equally 
unnecessary  one,  that  neither  benefits  Lim  nor  his 
family. 
[         But,  says  one,  will  you  rob  us  of  all  our  comforts 
b     and  luxuries?    We  answer,  no — mosl  cmphalicaUy, 
rA   No  !    For  any  indulgence  that  is  injurious  to  health, 
and  tends  to  shorten  life,  is  neither  a  comfort  or 
-sluxury      And  he  who  deprives  his  family,  his  wife; 
•^and  children,  whom  he  is  bound  by  all  the  ties  of 
humanity  to  protect  and  provide  for,  of  that  support 
which  his  position  so  justly  entitles  them  to,  does 
so  at  a  sacrifice  of  justice,  reason  and  humanity, 

EviU  of  not  Inauring, 

Do  not  complain  that  we  are  too  severe.  But  go 
with  us  among  the  poor  of  our  large  towns  and 
cities — yes,  go  with  us  among  the  poor  in  our  very 
midst.  Behold  the  widows  and  orphans  suffering 
for  the  want  of  the  most  common  necessaries  of 
life,  made  so  from  a  neglect  to  effect  an  insurance 
I'pon  their  only  property,  their  only  resources,  now 
entirely  and  forever  cut  off,  viz :  the  life  of  a  hus- 
band and  father. 

Behold  the  misery,  the  want,  the  suffering,  the 

jold  and  cheerless  prospects,  the  excesKive  toil,  the 

/deficiency  of  food,  clothing,  and  comforts  of  life. 


I 


(5.  I 


"-^rmmm 


— =^p- 


0  a  small 
irnntco  his 
Not  oiip 
IS  coniinii-  ' 
)\v  us  such 
s  on  ('f)unl 
ilthy  of  all 
er  equally 
liin  nnr  his 

ir  comforts 
phaticaUy, 
■i  to  hcttltn, 
comfort  or 
y.  his  wifej 
the  ties  of 
lilt  support 
in  to,  docs 
tinanity , 


B.  But  go 
towns  and 
in  our  very  ^^^ 
8  sufferinK'^'^ 
38sarieB  of 
insurance 
urces,  now 
n  of  a  hu8- 

ifering,  the 
ve  toil,  the 
rts  of  life.i 


?^ 


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I 


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Vt'l^—v'A'ft 


^ 


23 


J 


i 


^VeH-1'orit-  Life  Insurance  Company. 


Hark !  hear  those  dear  ones,  who  once  had  a  fond 
father  to  caress  them,  now  crying  for  bread.  Wit- 
ness the  pang  that  shoots  through  that  anxious  and 
careworn  mother's  breast,  as  she  raises  her  eyes  to 
heaven,  and  with  a  broken  heart  and  suppliant  tone 
.  ,.^  pleads  for  her  innocent  offspring.  She  murmurs 
IP  not ;  but  she  feels  that  her  burthen  is  more  than 
she  can  bear. 

Witness  the  horrors  of  poverty  attendant  upon 
a  neglected  widow,  whose  greatest  exertions  are 
remunerated  only  with  a  miserable  pittance,  sur- 
founded,  as  she  may  be,  with  her  helpless  children — 
.suft'ering  for  the  necessaries  of  life  ;  and  then  but 
for  a  moment  reflect  that  our  own  families,  our  own 
wives,  and  dear  ones,  are  daily  exposed  to  the  same 
;,ad  fate,  so  long  as  we  live  without  providing  a  cer- 
tainty against  their  fv.ture  want. 
-^  This  is  not  an  overdrawn  picture.  In  the  capacity 
-^of  a  physician  for  the  lust  fourteen  years,  we  have, 
witnessed  numerous  instances  of  families  reduced 
to  penury  and  want  by  the  death  of  a  husband  and 
father,  whose  former  circumstances  were  in  every 
I J  f  respect  as  good  as  many  of  ours ;  and  far  better 
than  some  who  imagine  themselves  rich  in  this 
world's  goods. 

WKen  ou^Kt  an  Insurance  to  be  Effected? 

Now.  First,  because  it  is  less  expensive  than  it 
will  be  when  you  get  older.  Second,  because,  if  in 
health,  you  will  pass  a  medical  examination  and  be 
accepted.     Third,  life  is  uncertain,  and  delays  are 

dangerous.  .     ^u  i. 

In  proof  of  the  first,  we  have  only  to  state  that 
the  premium  rates,  per  year,  are  increasing  as  you 
(grow  older,  so  long  as  you  remain  uninsuted., 
(Whereas,  when  insured,  you  continue  to  pay,  dunni 


•3^ 


I 


^ 


5*<(' 


r 


a^gai^^MflSfrgaUrii&iKMti^:* 


■^^::^::^ 


[M    ^ 


^^— '-^^^> 


-ft: 


§ 


4^% 


.A>>«'-  i'orA-  Life  Tnturnnre  Cniii/ifiHy. 

your  natural  life,  the  rates  por  year  that  arc  clmrgc- 
able  at  the  ace  you  make  the  hrst  payment. 

A  man  at  43  years  of  age  pays  as  much  per  yciir 
for  a  policy  of  $2,00),  as  one  at  20  pays  for  a  polii  y 
of  $4,000;  and  at  50,  as  much  for  $2,(X)()  as  one  iit 
20  does  for  $5,300.  This,  with  the  uccumulatioiis 
made  to  each  person  insured  in  the  form  of  diri- 
(/ends,  alone  offert  great  inducements  to  insuring- 

In  regard  to  the  second,  no  Insurance  Company  '  F^ 
will  take  a  risk  whore  the  person  applying  is  not  in  ' 
sound  health,  with  a  fair  prospect  of  long  life. 
Hence,  it  behooves  all  who  think  of  insuring,  to 
avail  themselves  of  its  advantages  before  the  ravages 
of  disease  have  marked  them,  and  rendered  their 
chances  of  acceptjince  doubtful. 

Third,  and  lastly     What  greeter  evidence  do  we 
jwant  to  prove  the  uncertainty  of  life  and  the  dan-( 
gers  of  delay,  than  a  moment's  reflection;  during 
which,  our  own  observations  and  past  experience 
shall  occupy  our  mind  ?     How  many  can  each  one 
of  us  call  to  remfunbrance  of  mothers,  orphans,  and 
dependent  parents,  victims  of  the  uncertainty  of  ^ll; 
life  and  tiiis  dangerous  delay?    How  many,  but  for    ;^ 
it  would   have  enjoyed   a  comfortable    livelihood, 
wiio  now  suffer  in  abject  poverty  and  want?     Do 
not  our  innermost  feelings  respond  to  the  declara- 
tion that 

wela^fl  arc  Wan^erous  / 

Procrastination  is  the  thief  of  time;  disease  may 
come  upon  you;  death  may  overtake  you;  and  in 
an  hour,  when  you  think  not.  you  may  suddenly  be 
out  off,  and  that  without  a  remedy  to  your  family. 

Wait  not  then  for  a  more  convenient  season; 
crept  the  boon  while  it  is  near,  and  at  the  earli 

^^. ^ -^  ■    i^..L,  ■  ri 


^2^ 


iest^g  ig^ 


kM]<t-' 


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t 


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K 


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1 


e  clmrgf- 
it. 

per  yciir 
ira  pidicy 

118  (Ml<>    Ut 

iiulatioiis 
I  of  (lir'i- 
I  iiisiiriiif^ 

Coinpiiiiy 
;  is  not  in 
lonp  lifo. 
uring,  to 
p  ravagcH 
red  their 

ICO  do  we  jj^ 
the  dan-^  »«5 

i;  during 

[perienco 

each  one 

iimH,  und 

tiiinty  of  >  1^ 

f,  but  for 

velihood, 

int?     Do 
declarn- 


/ 


'Bse  may 
;  and  in 
denly  bo 
family. 
Heason ; 
'  earliost^^^ 


I 


^Ve»c-  iork  Life  Ittiuranve  Companv. 


35! 


^ 


* 
* 


iwssible  convenience  provide  lor  your  own  house- 
hold the  means  of  an  honest  livelihood  when  time 
shall  cease  to  know  you  more. 

What  if  1  shoulb  lie  To-ni^Kt? 


Let  each  one  himself  ask  that  question : — Suppose 
I  were  called  to  render  up  my  stewardship,  leaving  , 
this  for  the  world  of  spirits  to-night,  what  provision 
liave  I  made  to  secure  the  comforts  of  life  to  those 
who  are  dependent  on  me  for  their  daily  sustenance  ? 
Would  those  who  are  dear  to  uie  be  safe  from  thi' 
pangs  of  want  ?  Would  this  dear  wife,  and  those 
aged  parents,  be  ind«ipendent  of  the  cold  charities  of 
tlie  world  ?  Would  these  dear  children,  committed 
to  my  care,  have  a  comfortable  liome  and  the  means 
-N>f  education.'  Would  there  be  no  sacrifices  of 
^property  by  forced  sales,  to  mi-et  the  demand  of(^ 
creditors,  or  the  wants  of  those  I  l(>avc^  beiiind  im^  .' 
If  we  can  answer  these  to  our  own  satisfaction, 
then  are  we  prepared,  so  far  as  they  are  concerned. 
1'  to  account  for  the  "talent"  entrusted  to  our  eare. 

returning  it  with  usury. 
V         In  view  of  all  these  facts,  ought  we  not,  while  in 
^   health,   surrounded   with   the  comforts  of  life,  und 
the  means  within  our  power,  to  prei)are  ourselves 
to  die   at  a  moment's  notici",   leaving  our  families 
^  and    those   dependent   on    us   in   us   good    circum- 
stances as  wo  sht>uld  ilo,  had  we  l)ut  a  warning  of 
tlie  day  and  hour  iteforehund.    Yea.  fully  prepared. 
so  that  at  any  hour  wo  can  part  with  our  near  und 
di'urest  friends,  and  at  any  hour  meet  our  GoJ. 


V**" 


J> 


-^v 


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■Mttiint^  '^■v»^,^y>-:jirK''''--^^r*i»^fiiKr^^ 


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Xeif-  Tork  Life  Jnmranre  Company. 


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No.  Zv-Annlal  Premilms  for  Ten  Yi  ars,  to  secwe  $1000. 
payat:c  as  inJicaUd,  or  ot  death,  if  prior. 


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No.  3.— Semi-Annlal   Pavmfnts.  to  secure   $1000,  payable 
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No.  4. — Semi-Annual  Premiums  for  Ten  Years  tosecure  $1000, 
payable  as  indicated^  or  at  death,  if  prior. 


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No.  s. — Quarterly  Premiums   /;>  secure  $1000    payable  at 
indicated,  or  at  death,  if  prior. 


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JVeH'-  fori-  Xife  Tnturance  Company. 


— -S4f;?tj 


No.  6.— Qlarterlv  Payments  for  Thn  Years,  to  secure  $1000, 
payable  as  indlcateti,  cr  at  lieath,  if  prior. 


3, 1 


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'■N^^V 


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:? — ^ 

A'tf-  Vork  Ziife  Iniuranee  Company. 


-*^ 


^^pinions  of  ftmhtent  ^tn  on  IgMt  Insnrance. 


<^i?/ 


"A  PoLicv  OP   LiFK  Assurance  it  always   an    evidence  of 
PRUDENT    FORETHOUGHT  i    no  man  with  dependent  Tamily  it  /rii 
^U"  '  from  reproach  if  not  insured."— iorrf  Lyndhurst. 
jj^  "  Like  Insuranck  posituet  exclusively  the  power  o/ creating  at 

once  an  adequate  provision  agninst  tlie  destitution  of  dependents  in 
case  of  death.  The  vnluo  of  this  function  needs  no  eloquence  of  ours 
to  illustrate  il."  —  Professor  E.  Wright. 

"  I  am  free  to  express  my  opinion  of  their  value,  especially  to  men 
in  the  circumstances  in  which  ministers  of  the  Uuspel  are.  I  have 
wondered  that  they  have  availed  themselves  so  little  of  the  advantage 
of  such  institutions,  t  kn<  *  of  no  way  in  which  they  could  so  i-^'ell 
provide  for  their  own  wans  in  advanced  years,  or  of  their  families 
when  they  die,  as  by  availini^  themselves  of  these  advantages." — 
Kri'.  Albert  Barnes. 

*'No  matter  what  may  b\.  the  object  of  your  solicitude— dk  assured 
— whether  you  are  thinking>  of  tl.c  maintenance  of  general  health,  or 
of  comfort  and  competence  in  your  old  age,  or  of  the  interests  of  wife 
^  and  children  when  you  may  be  no  inoic,  or  of  a  provision  for  your  boy 
f  when  he  reaches  mature  age,  or  of  the  happy  marriage  and  the  wed- 
1  ding  portion  of  your  little  daughter,  one  day  to  be,  you  hope,  .i 
blushing  bride,  now  a  tiny  prattling  fairy  of  two  or  three  years — never 
mind  the  sulijctt  matter — BE  assured." — Charles  Vickem. 

"  life  j-.:isurancc  contributes  cfTcctually  to  make  life  itself  longer, 
socici.       'ppier,  the  aggregate  prosperity  of  the  comniuniiy  greater. 


4^ 

o 

tir 


--    .     . „  „ . „ iSft' 

.ind  jui.t  so  far  -ts  it  shall  extend,  while  still  conducted  on  .sound  prin- '  f''^' 
ciples,  it  will  multiply  the  kindly  bonds  that  connect  men,  while 
encouraging  economy,  invigorating  enterprise,  justifying  hope  in  each  \,  j 
iiidiviilual,  and  shedding  the  light  of  a  more  serene  happiness  into 
m.my  households." — Kev.  K.  .7.  Starrs,  Jr.,  I).  J). 

"  Your  afTuirs  may  become  nvilveil,  and  your  property  be  taken 
for  deijt.  Vour  slocks  and  shares  may  fall  in  value.  But  a  Policy  of 
Life  Insurance  can  not  be  taken  fm- debt;  can  not  be  alienated  from 
your  heirs;  and  if  you  have  chosen  your  company  discreetly,  is  sub- 
ject to  no  commercial  risks.  It  is  as  nearly  sure  as  anything  earthly  ' 
can  well  be." — Henry  Ward  Beeclier. 


P^^^^^J  ^^^.^  ■  ^^^«u^| 


^^.^''^f^ 


"T^ 


^*^ 


tpatir. 


InBttrance. 


AN     EVIDENCE    OP 

ent  family  is  /rit 

tvi-r  of  creating  at 
V  of  litpcHdtnts  in 
I  eloquence  of  oun 

,  cspccuUIy  to  men 
isjicl  are.  I  have 
e  of  the  advantage 
they  could  so  i-^ell 
>r  of  their  families 
se  advantages." — 

Itudc— BK  ASSURED 

general  health,  or 
he  interests  of  wife 
vision  for  your  boy 
iagc  and  the  wud- 
be,  you  hiipc,  .i 
three  years — never 
Dickem. 

:  life  itself  longer, 
timniuniiy  greater. 
Led  on  sound  prin- 
nnect  men,  while 
fying  hope  in  each  V 
ne  happiness  into 


>^. 


property  be  taken 

But  a  I'olicy  of 

be  alienated  from 

discreetly,  is  sub- 

anything  earthly 


h 


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